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First State Bank, Performance and Condition Ratios
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2474% | 1,249 |
| Cost of funding earning assets | 2.4939% | 1,325 |
| Net interest margin | 3.7535% | 3,849 |
| Noninterest income to average assets | 0.4633% | 4,794 |
| Noninterest expense to average assets | 3.4039% | 2,566 |
| Loan and lease loss provision to assets | 0.1424% | 5,933 |
| Net operating income to assets | 0.1630% | 5,280 |
| Return on assets (ROA) | 0.2226% | 5,164 |
| Pretax return on assets | 0.4504% | 4,661 |
| Return on Equity (ROE) | 2.1281% | 5,122 |
| Retained earnings to average equity (ytd only) | 2.1281% | 4,138 |
| Net charge-offs to loans | 0.4724% | 3,333 |
| Credit loss provision to net charge-offs | 47.8261% | 6,344 |
| Earnings coverage of net charge-offs (x) | 1.6783% | 4,539 |
| Efficiency ratio | 87.2016% | 1,943 |
| Assets per employee ($millions) | 3.7736% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 6,901 |
| Loan loss allowance to noncurrent loans | 65.8019% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.5166% | 4,093 |
| Noncurrent loans to loans | 1.3171% | 4,739 |
| Net loans and leases to total assets | 65.0529% | 4,638 |
| Net loans and leases to deposits | 73.7055% | 5,403 |
| Net loans and leases to core deposits | 107.0439% | 3,584 |
| Total domestic deposits to total assets | 88.2606% | 1,532 |
| Equity capital to assets | 11.1931% | 2,839 |
| Core capital (leverage) ratio | 11.0633% | 2,365 |
| Tier 1 risk-based capital ratio | 18.3170% | 1,903 |
| Total risk-based capital ratio | 19.2687% | 1,932 |
| Memoranda: | ||
| Average total assets | $51,509,000 | 6,706 |
| Average earning assets | $47,208,000 | 6,680 |
| Average equity | $5,388,000 | 6,876 |
| Average total loans | $32,457,750 | 6,539 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2941% | 1,220 |
| Cost of funding earning assets | 2.6295% | 1,211 |
| Net interest margin | 3.6646% | 4,098 |
| Noninterest income to average assets | 0.4434% | 4,906 |
| Noninterest expense to average assets | 3.5470% | 2,202 |
| Loan and lease loss provision to assets | 0.0764% | 6,423 |
| Net operating income to assets | -0.0268% | 5,891 |
| Return on assets (ROA) | -0.0268% | 5,956 |
| Pretax return on assets | 0.1758% | 5,524 |
| Return on Equity (ROE) | -0.2615% | 5,962 |
| Retained earnings to average equity (ytd only) | -0.2615% | 5,290 |
| Net charge-offs to loans | 0.4240% | 3,105 |
| Credit loss provision to net charge-offs | 28.9855% | 6,041 |
| Earnings coverage of net charge-offs (x) | 0.9565% | 4,813 |
| Efficiency ratio | 93.3602% | 1,543 |
| Assets per employee ($millions) | 3.8146% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9041% | 6,750 |
| Loan loss allowance to noncurrent loans | 84.0116% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.3390% | 4,275 |
| Noncurrent loans to loans | 1.0762% | 5,055 |
| Net loans and leases to total assets | 63.8758% | 5,009 |
| Net loans and leases to deposits | 71.8733% | 5,751 |
| Net loans and leases to core deposits | 102.3920% | 4,245 |
| Total domestic deposits to total assets | 88.8728% | 1,331 |
| Equity capital to assets | 10.7098% | 3,192 |
| Core capital (leverage) ratio | 10.3471% | 2,951 |
| Tier 1 risk-based capital ratio | 18.3932% | 1,898 |
| Total risk-based capital ratio | 19.4214% | 1,916 |
| Memoranda: | ||
| Average total assets | $52,326,330 | 6,732 |
| Average earning assets | $47,918,000 | 6,714 |
| Average equity | $5,353,670 | 6,945 |
| Average total loans | $32,546,330 | 6,585 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3833% | 1,103 |
| Cost of funding earning assets | 2.7927% | 1,002 |
| Net interest margin | 3.5906% | 4,353 |
| Noninterest income to average assets | 0.3948% | 5,255 |
| Noninterest expense to average assets | 2.7936% | 4,582 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7152% | 3,477 |
| Return on assets (ROA) | 0.7152% | 3,676 |
| Pretax return on assets | 0.8865% | 3,763 |
| Return on Equity (ROE) | 7.1442% | 3,536 |
| Retained earnings to average equity (ytd only) | 7.1442% | 2,161 |
| Net charge-offs to loans | 0.0122% | 5,442 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 119.0000% | 365 |
| Efficiency ratio | 75.9109% | 3,508 |
| Assets per employee ($millions) | 3.9236% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 5,836 |
| Loan loss allowance to noncurrent loans | 46.5565% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 1.8135% | 3,196 |
| Noncurrent loans to loans | 2.2444% | 2,938 |
| Net loans and leases to total assets | 62.7541% | 5,199 |
| Net loans and leases to deposits | 70.7022% | 5,903 |
| Net loans and leases to core deposits | 98.9184% | 4,656 |
| Total domestic deposits to total assets | 88.7584% | 1,359 |
| Equity capital to assets | 10.7083% | 3,283 |
| Core capital (leverage) ratio | 10.0405% | 3,363 |
| Tier 1 risk-based capital ratio | 17.0711% | 2,314 |
| Total risk-based capital ratio | 18.1509% | 2,302 |
| Memoranda: | ||
| Average total assets | $53,694,500 | 6,718 |
| Average earning assets | $49,128,500 | 6,704 |
| Average equity | $5,375,000 | 6,981 |
| Average total loans | $32,837,000 | 6,601 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6372% | 2,304 |
| Cost of funding earning assets | 3.2372% | 1,075 |
| Net interest margin | 3.4001% | 5,666 |
| Noninterest income to average assets | 0.4762% | 4,827 |
| Noninterest expense to average assets | 2.5331% | 5,880 |
| Loan and lease loss provision to assets | 0.1282% | 5,725 |
| Net operating income to assets | 0.8185% | 3,354 |
| Return on assets (ROA) | -0.7839% | 7,025 |
| Pretax return on assets | -1.5532% | 7,282 |
| Return on Equity (ROE) | -7.5608% | 7,099 |
| Retained earnings to average equity (ytd only) | -11.4471% | 7,205 |
| Net charge-offs to loans | 0.1480% | 4,727 |
| Credit loss provision to net charge-offs | 142.8571% | 3,703 |
| Earnings coverage of net charge-offs (x) | 12.0204% | 2,304 |
| Efficiency ratio | 70.1318% | 4,328 |
| Assets per employee ($millions) | 4.3371% | 2,903 |
| Cash dividends to net income (ytd only)* | -51.4019% | 8,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 5,869 |
| Loan loss allowance to noncurrent loans | 105.9375% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.9205% | 4,537 |
| Noncurrent loans to loans | 0.9602% | 4,682 |
| Net loans and leases to total assets | 58.5080% | 6,126 |
| Net loans and leases to deposits | 64.9703% | 6,720 |
| Net loans and leases to core deposits | 87.5617% | 6,013 |
| Total domestic deposits to total assets | 90.0536% | 629 |
| Equity capital to assets | 9.3789% | 4,844 |
| Core capital (leverage) ratio | 9.3453% | 4,240 |
| Tier 1 risk-based capital ratio | 16.2370% | 2,570 |
| Total risk-based capital ratio | 17.2787% | 2,599 |
| Memoranda: | ||
| Average total assets | $54,597,200 | 6,599 |
| Average earning assets | $50,352,200 | 6,578 |
| Average equity | $5,660,800 | 6,931 |
| Average total loans | $33,104,400 | 6,538 |